UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                              Washington, DC 20549


                                    FORM 8-K

                                 CURRENT REPORT
     Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934


Date of Report (Date of earliest reported)  October 17, 2006
                                           -----------------


                            American River Bankshares
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             (Exact name of registrant as specified in its chapter)


         California                   0-31525                68-0352144
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(State or other jurisdiction        (Commission            (IRS Employer
     Of incorporation)              File Number)         Identification No.)


3100 Zinfandel Drive, Suite 450, Rancho Cordova, CA            95670
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(Address of principal executive offices)                     (Zip Code)


Registrant's telephone number, including area code      (916) 231-6700
                                                     -------------------


Check the appropriate box below if the Form 8-K is intended to simultaneously
satisfy the filing obligation of the registrant under any of the following
provisions:

[ ]  Written communication pursuant to Rule 425 under the Securities Act
     (17 CFR 230.425)

[ ]  Solicitation material pursuant to Rule 14a-12 under the Exchange Act
     (17 CFR 240.14a-12)

[ ]  Pre-commencement communications pursuant to Rule 14d-2(b) under the
     Exchange Act (17 CFR 240.14d-2(b))

[ ]  Pre-commencement communications pursuant to Rule 13e-4(c) under the
     Exchange Act (17 CFR 240.13e-4(c))

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The Index to Exhibits is on Page 3


Item 7.01. Regulation FD Disclosure

Registrant issued a press release October 17, 2006 announced that David T.
Taber, President and CEO, and Mitchell A. Derenzo, Executive Vice President and
Chief Financial Officer, both of American River Bankshares, will lead a
quarterly conference call to discuss third quarter 2006 financial results. The
foregoing description is qualified by reference to the press release attached
here to as Exhibit 99.1.

Item 9.01. Financial Statements and Exhibits.

(c)      Exhibits

         (99.1)   Press release dated October 17, 2006




                                   SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.


                                    AMERICAN RIVER BANKSHARES


                                    /s/ MITCHELL A. DERENZO
                                    --------------------------------------------
October 17, 2006                    Mitchell A. Derenzo, Chief Financial Officer




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INDEX TO EXHIBITS

Exhibit No.            Description                                        Page
----------             ---------------------------------                  ----
99.1                   Press release of American River                     4
                       Bankshares dated October 17, 2006








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